I am selling my apartment in Castle Vale. Will the have to be on the conveyancing panel in order to deal with repayment of my mortgage?

Ordinarily, even if your lawyer is not on the conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently at the moment.

I am buying a new build flat in Castle Vale. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Here are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Castle Vale

Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.

I decided to have a survey carried out on a house in Castle Vale before retaining solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies will not grant a mortgage on a flying freehold property.

It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. Should you wish to call us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Castle Vale. Conveyancing will be smoother if you use a solicitor in Castle Vale especially if they regularly deal with such properties in Castle Vale.

How do I use your search tool to find a conveyancing practitioner in Castle Vale on the approved list for my mortgage?

1st choose a mortgage company such as , or then specify your location e.g. Castle Vale. Conveyancing practices in Castle Vale and further afield should be shown.

I have appointed a Castle Vale conveyancing solicitor for our house purchase (FTB’s) and have spotted in the terms and conditions that they are not governed by the Financial Conduct Authority. Need I be concerned or is that the norm with ?

We can't see why they should be. Most don't lend money. They should be regulated by the SRA, who have specific laws regulating funds held in their bank.